Never used a Samsung phone but touchId and faceid gates access to payments, passwords and banking apps. Typing a complex password on touch screen isn’t very fun.
Which one? Android is an operating system, not a phone. There are ones which are just as secure as an iPhone(Samsung with its Samsung Knox vault) and cheap phones which have only basic fingerprint readers(and even then I don't see what the problem is, the biometric data is stored in the storage managed by the reader chip, inaccessible to the rest of the device for every commercial fingerprint reader out there). I thought HN was all about having consumer choice?